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205 E Chicago St, #7, Elgin, IL 60120 Property Records

Kane County property record for 205 E Chicago St, #7, Elgin, IL 60120

Property Summary

Property TypeCommercial
Details10,692 sqft · built 1895
Lot Size0.13 acres (5,663 sqft)
OwnerCompany Name on File
Last Sale$190,000 (Aug 2018)
Tax Bill$8,953 (2025)
Deeds & MortgagesOct 2018 Mortgage
Aug 2018 Sale
Flood ZoneZone X (minimal risk)
APN06-13-302-004

Property Details

APN / Parcel Number

Primary APN06-13-302-004

Interior

Building Area10,692 sqft Gross Area

Exterior

Year BuiltBuilt 1895
Effective Year BuiltEffective 1895
Lot Area5,663 sqft (0.13 acres)

Location & Zoning

Street Address205 E CHICAGO ST, 7
CityELGIN
StateIL
Zip60120-6502
Property CategoryCommercial
Property TypeCommercial > Retail
Legal DescriptionJAMES T GIFFORDS PLAT OF EAST ELGIN WEST 1/3 LOT 4 & EAST 1/3 LOT 5 BLOCK 11
Legal SubdivisionJAMES T GIFFORDS PLAT
Legal Block11
Legal Lot Number4,5
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group2
Census Block2027
Census Tract854600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Elgin Downtown Commercial District (Additional Documentation)
listed 2014 · 81 contributing resources · NRIS 14001067

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

205 E Chicago St, #7 is owned by a company that bought it in August 2018.

Source: Kane County records, as of July 23, 2026

Owner of RecordCompany Name on File
Mailing Address221 E CHICAGO ST, ELGIN, IL 60120-7044
Owner TypeCompany
VestingCompany

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Oct 1, 2018Deed of Trust, Mortgage · Commercial Mortgage
TBK BANK SSB
Aug 20, 2018Warranty Deed, Transfer
OTHER

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 20, 2018 · Amount on File
Deed SaleAug 20, 2018 · Amount on File
Prior SaleMay 1, 2013 · Amount on File
Deed Document Number201840728
Prior Transfer DateJul 11, 1995
Prior Transfer Doc0000045497
Record UpdatedOct 29, 2026

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address205 E CHICAGO ST # 7, 7, ELGIN, IL 60120-6502
Transaction TypeMortgage
Record UpdatedSep 21, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000047735
DateOct 1, 2018
Instrument2018K047735
Lender
NameTBK BANK SSB
TypeBank
AddressELGIN, IL 60124
Agreement
TypeCommercial Mortgage
AmountAmount on Record

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateAug 20, 2018
Property Address205 E CHICAGO ST # 7, 7, ELGIN, IL 60120-6502
Document Number0000040728
Instrument DateAug 17, 2018
Instrument40728
Transaction TypeTransfer
Record UpdatedSep 7, 2018
Title CompanyOTHER

Transaction

AmountAmount on Record
Tax$285.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address221 E CHICAGO ST ELGIN IL 601206502, ELGIN, IL 60120-6502

Tax Assessment & Valuation

The 2025 property tax bill for 205 E Chicago St, #7 was $8,953.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,953.00$117,356 (+8.57%) Land $29,386 Building $87,970$352,209 (+8.57%) Land $88,193 Building $264,016
2024$108,092 Land $27,066 Building $81,026$324,406 Land $81,230 Building $243,175
2022$7,721.00 (+3.96%)$89,043 (+6.96%) Land $22,296 Building $66,747$267,129 (+6.96%) Land $66,888 Building $200,241
2021$7,427.00$83,249 Land $20,845 Building $62,404$249,747 Land $62,535 Building $187,212

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 205 E Chicago St, #7 in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims2 (2007–2013)
Claims Outside the SFHA1 of 2
Most Recent ClaimApr 2013 · Severe Storms, Straight-line Winds, And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 205 E Chicago St, #7 has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 545 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Astound Broadband
Cable · Fiber in parts of the area		1,500 / 50
Fox Valley Internet
Fixed Wireless		100 / 20
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

May also be available: T-Mobile, Verizon.

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